Unsecured personal loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on an unsecured loan of $30,000 borrowed for 5 years:
• with the minimum interest rate of 12.99% p.a. (comparison rate 14.06% p.a.), the estimated total amount payable including fees is $41,932; and
• with the maximum interest rate of 18.90% p.a. (comparison rate 19.93% p.a.), the estimated total amount payable including fees is $47,617.

Secured Personal Loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on a secured loan of $30,000 borrowed for 5 years:
• with the minimum interest rate of 8.49% p.a. (comparison rate 9.60% p.a.), the estimated total amount payable including fees is $37,881; and
• with the maximum interest rate of 12.74% p.a. (comparison rate 13.81% p.a.), the estimated total amount payable including fees is $41,701.

1. Your interest rate may vary depending on our credit assessment and the detail you provide us in your application. The information you provide at the time of application will help us make an appropriate credit assessment based on your financial situation. This assessment includes your interest rate, which will be presented to you on your loan offer contract.

2. Comparison rates help you understand the true cost of a loan. The comparison rate is based on a Personal Loan with a loan amount of $30,000 and a term of 5 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

3. All redraw requests are subject to Bank approval. Minimum redraw amount is $500 and a fee applies to each redraw request.

#$0 Establishment fee offer: Information current as at 22 August 2019. The offer is open to customers who apply and complete an application for a new fixed or variable rate BankSA Unsecured Personal Loan by 30 September 2019 in Branch, by calling call 13 13 76 or online via the 'Apply now' application button on this page. For existing customers applying via the BankSA Mobile Online Banking app please enter Special Offer Code ‘U9‘ to receive the offer. If approved, the Establishment fee will be waived, saving $195. This offer cannot be used in conjunction with any other offer and may be varied or withdrawn at any time. All other fees outlined on the Product page and in the Terms and Conditions apply. Interest rates are subject to change. Read the product Terms and Conditions, including the Internet and Phone Banking Terms and Conditions before making a decision and consider whether the product is appropriate for you. If you need help, call 13 13 76.

Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from BankSA - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.